Corrected entry: Susan has a wandering spleen and needs surgery to remedy it, but her former agent let her health insurance policy lapse. Without insurance, she cannot afford the surgery. Everyone agrees that the best solution is for her to marry someone with an excellent heath plan. The problem: no health plan would cover such a pre-existing condition immediately. They would have to eventually cover it (time varies by state) but she needs the surgery now. She shoots down the idea of seeking a legal solution, since her agent stole the money instead of making insurance payments, because she urgently needs the operation.
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Correction: Not necessarily. Especially in the case of marriage where a new subscriber is added to an existing plan, exceptions are made. And even as a totally new subscriber, I've had many pre-existing conditions covered immediately. It's not an absolute that it will be denied simply because it's pre-existing. If a problem is genetic, as a wandering spleen may be, it also may be excepted.
CocoCami